“House ordering is my prayer, and when I have finished my prayer is answered. And bending, stooping, scrubbing, purifies my body as prayer doesn’t.”
– Jessamyn West
Week 22 of the year is time to take stock of your home care and personal finances as summer approaches. For home care, focus on easy but impactful tasks like decluttering high-traffic areas, deep-cleaning windows, and preparing outdoor spaces for summer enjoyment. Mowing the lawn, planting flowers, or setting up patio furniture can enhance your property’s appeal and create a welcoming environment. If you care for others, such as elderly family members, ensure their spaces are safe, clean, and comfortable. Small changes, like organizing medications or adding grab bars in key areas, can make a big difference.
In personal finances, mid-year is perfect for a financial health checkup. Review your budget, track expenses, and adjust savings goals if needed. Consider automating bill payments and savings contributions to simplify money management. Evaluate your emergency fund to ensure it covers at least three to six months of expenses. If you have outstanding debts, prioritize high-interest ones and explore refinancing options for better rates. For a meaningful touch, revisit your financial goals, such as retirement plans or saving for a family vacation, and ensure they align with your values. A little effort now can provide peace of mind and set you up for a successful second half of the year.
Family Finances
Poor Charlie’s Almanac
Almanack of Naval Ravikant
Shopping smart – the well curated wardrobe
We’ve all been there. Standing stunned in front of a packed closet claiming we have “nothing to wear,” or discovering tags still attached to impulse purchases from months ago. Shopping for clothing can feel…
Research and review based college rankings – college planning and prep
Updated since 2/7/2018. Looking for more perspective on a college then check out Niche.com. Using comprehensive data available on U.S. colleges and universities, Niche.com analyzes data from the U.S. Department of Education and millions of…
Virtual college campus tours – college planning and prep
Updated since 1/31/2018. Trying to check out what a college is like before taking a long drive for a campus visit then try CampusTours.com and YouVisit.com. These sites offer interactive maps and virtual tours…
Net price calculators – college planning and research
Updated since 1/3/2018. Calculation of the net price of colleges and universities is key to understanding what it will cost your student to attend any particular school. Googling “Net Price Calculator” with the College/University Name will likely…
Minnesota residential propane prices
Monitoring Residential MN Propane Price. Updated since 3/11/2017 Monitoring residential propane prices is crucial for cost-effective purchases. Keep an eye on market trends through online platforms, local suppliers, and government energy agencies. Track seasonal…
Online car sites for comprehensive car research
Online car research provides comprehensive tools and resources for comparing prices, features, and reviews, helping buyers make informed decisions when purchasing a vehicle. Online car sale sites are valuable tools for researching cars to…
Guardianship financials – ABLE accounts
Being a guardian for an adult with disabilities is a profound responsibility that blends care, advocacy, and love. It involves ensuring their safety, managing their healthcare, and making decisions in their best interest while…
π Day
π (Pi) Day is celebrated on March 14th (3/14) to honor the fascinating mathematical constant π (pi), which is approximately 3.14. Pi (π) is a mathematical constant representing the ratio of a circle’s circumference…
Learning about parimutuel markets
Benefit from understanding parimutuel markets. While it’s not an endorsement by me to participate in them, studying parimutuel markets can provide insights into human behavior and market dynamics, enriching our critical thinking and analytical…
Arithmetic for a good year
Basic math for a well-rounded year. The five yearly math tasks—tax preparation, vacation planning, insurance, annual goals, and major purchases—were selected for their significant impact on long-term planning and financial stability. Tax preparation ensures…
Arithmetic for a good month
Basic math for a well-rounded month. The five monthly tasks—bills, savings and investments, health, vehicle maintenance, and social plans—were chosen for their essential roles in managing personal life. Bills ensure timely payments and financial…
Arithmetic for a good week
Basic math for a well-rounded week. The five weekly math tasks—entertainment budget, saving, household chores, exercise routines, and grocery planning—were selected for their impact on managing our personal life. Entertainment budget ensures fun within…
Arithmetic for a good day
Basic math for a well-rounded day. The five daily math tasks—budgeting, cooking, time management, fitness, and shopping have universal application and impact on daily life. These activities are essential for maintaining personal organization, health,…
Measured thinking on life insurance
For me, integrating life insurance into the overall family financial strategy complements a philosophy of balancing risk management and growth. It offers essential protection, ensuring a family’s financial security in unforeseen events. By choosing…
Contemplating the Roth IRA
Long-term growth, tax benefits, financial security. I did some research to gain a more updated comprehensive understanding of Roth IRAs today and their benefits, so I can continue to make informed decisions about my…
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Bloom houseplant humidity mist
This is just a reminder that many popular houseplants, especially tropical varieties like ferns, orchids, calatheas, and monsteras, thrive in humidity levels far higher than what most homes provide,…
Bloom fresh room spray formula
A beautifully blended room spray can completely transform the atmosphere of a space in seconds. This blend uses a base of distilled water and a small amount of witch…
Bloom headache relief spray
Peppermint essential oil contains a high concentration of menthol, which has been clinically shown to be as effective as acetaminophen for tension headaches when applied topically. It works by…
Hearty neem oil plant pest deterrent spray formula
Neem oil is one of the most effective and completely natural pest control solutions available for houseplants and garden plants. It works by disrupting the hormonal systems of insects,…
Hearty wrinkle releaser spray formula
This wrinkle releaser spray is a lifesaver for clothes that have been sitting in the dryer too long or items that cannot be ironed. The combination of water, a…
Hearty natural weed killer formula
This upgraded formula takes the classic vinegar-based weed killer to the next level by adding hydrogen peroxide for significantly faster and more thorough results. The combination of acetic acid…
Hearty olive oil spray tip
An olive oil spray gives you complete control over the quality of oil you use and eliminates the propellants and additives found in commercial cooking sprays. A light, even…
Hearty orchid misting spray formula
Orchids are epiphytes in their natural habitat, meaning they grow on trees and absorb moisture and nutrients from the air and rain rather than from soil. They love humidity…
Bloom citrus finishing spray recipe
Fresh citrus juice is one of the most versatile finishing ingredients in cooking, brightening flavors, balancing richness, and adding a fresh, vibrant note to almost any savory or sweet…
Hearty seedling mister tip
Seedlings are incredibly delicate and cannot tolerate the force of even a gentle watering can well. A fine mist spray bottle is the ideal tool for keeping seed starting…
Bloom pillow mist for sleep formula
A pillow mist is one of the simplest and most effective sleep aids you can make. Lavender has been extensively studied for its ability to reduce anxiety, slow heart…
Bloom flea deterrent spray for dogs formula
Apple cider vinegar creates an acidic environment on the skin and coat that fleas find inhospitable, making this a gentle and effective preventive spray for dogs. It also helps…
Bloom linen spray formula
A beautiful linen spray transforms the simple act of making the bed or folding laundry into something sensory and pleasurable. Lavender is the classic choice for linens because of…
Hearty aphid spray formula
Aphids are one of the most common garden pests and can devastate plants quickly if left unchecked. This simple soap spray works by coating the soft bodies of aphids…
Hearty stain pre-treatment spray formula
Catching stains early with a targeted pre-treatment spray dramatically improves the chances of complete removal. This spray uses hydrogen peroxide as the primary stain fighter, which is especially effective…
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